Annuity

63986-Annuities-OldCouple-Bikes

Protection from a name you trust

Your home, your car, your family—we offer protection for them all

As your assets grow, so does your peace of mind

Retirement gives you the time you've always wanted to travel and see family, but this freedom often comes with money worries. With a competitive fixed interest rate, a minimum interest guarantee for the life of your contract, and retirement income options that can be guaranteed to last a lifetime, it's easy to see how a tax-deferred annuity can help bring safety and stability to any retirement portfolio.1

GET A QUOTE

Choose the annuity that best fits your needs Life Insurance Company offers you several annuity options. Each one has unique features that can be of benefit to you. Which one you choose will depend on which one best fits your specific retirement goals and needs.

Platinum Bonus 5-Year Annuity
Purchase a Platinum Bonus 5 Annuity and you’ll start earning a competitive interest rate plus a first-year bonus that’s guaranteed for the first 12 contract months.2 Keep in mind that the first year rate you will earn is based on the amount of your initial premium. Flexibility of premium payments is another key feature. You can decide when you add to your annuity without having a fixed scheduled to do so.3

Premiums Paid	Base Interest Rate	First-YearBonus Interest Rate	Total First-YearAnnuity Interest Rate
$3,000 - $49,999	1.25%	1.50%	2.75%
$50,000 - $499,999	1.25%	2.00%	3.25%
$50,000 - $499,999	1.25%	2.00%	3.75%

Rates current as of 6/5/2013 and are subject to change without notice

The Platinum Bonus annuity:

Can be purchased for as little as $3,000
Offers a competitive fixed interest rate that is guaranteed for the first 12 months
Maximizes your earnings through the power of tax-deferral
Take a free withdrawal once per contract year, up to 10 percent of the accumulated value (certain limits and restrictions apply)

EliteGuarantee Annuity
If you're looking for tax-deferred growth but you want to lock-in an interest rate for more than one year, you should consider an EliteGuarantee Annuity. While minimum premium levels and withdrawal charges apply during the guarantee period, unlike certificates of deposit, your annuity growth is tax-deferred. And, once the initial rate guarantee period expires, you have the option to renew for the same period of time.

Single Premium Immediate Annuity
When you're ready to retire, our Single Premium Immediate Annuity (SPIA) is an excellent choice for a variety of retirement income options. With a SPIA, payments can be guaranteed to last for as long as you live; or for as long as you live, with payments guaranteed to your survivor.4 While there are a variety of other payout options available to you through the purchase of an Immediate Annuity, rest assured that all of them provide you with payment guarantees—a feature not found in other types of retirement savings vehicles.

Why Choose an Annuity?

Annuities allow you to earn interest now, pay taxes later

The bigger your initial premium, the bigger your bonus

Early access to your funds is available

Purchase your annuity today
When you purchase an annuity from AAA Life Insurance Company, your funds will be with a company that has more than 40 years experience. To speak to a licensed insurance professional, call us at 1-888-897-4905 or visit your local AAA branch. We look forward to helping you plan for tomorrow by offering guarantees and competitive rates today.5

FIND MY AAA BRANCH

This information is not a contract. This information is a summary of provisions and does not contain all of the benefits and exclusions. All descriptions are intended solely to inform you about the many features of annuities. The contract and its endorsements determine exact product features and benefits. Life insurance underwritten and annuities offered by our affiliate AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. AAA Life CA Certificate of Authority #07861. Automobile Club of Southern California acts as an agent for its affiliate, AAA Life Insurance Company. CA Dept. of Insurance License #0003259. EliteGuarantee Contract Form Series: ICC11-4101, DA-4101; Platinum Bonus Contract Form Series: ICC11-4111, DA-4111; SPIA Contract Form Series: 40611.

1Annuities offered by AAA Life Insurance Company, Livonia, MI. See your contract for specific benefits provided. Benefits may be taxable. Interest rates are based on current rates and are subject to change without notice. All rates shown are annual effective yields. The first-year declared interest rate is guaranteed for the first contract year only and is separate from the guaranteed minimum rate effective for all contract years. Annuities are not short-term products. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. See contract for specific details of the surrender charge schedule. Withdrawals prior to 59 ½ may be subject to IRS penalties, separate from the annuity’s schedule of surrender charges. IRAs and Qualified Plans already provide tax-deferral of earnings. There is no additional benefit from the annuity's tax-deferral feature. An annuity should be used to fund an IRA when its features, other than its, deferral, are beneficial. AAA Life and its agents do not provide legal or tax advice. Therefore, you may wish to seek independent legal, tax, or financial advice to see if annuities are right for you.

2The first year declared interest rate is an annual effective yield that is guaranteed for the first contract year. It is separate from the contract’s Guaranteed Minimum Interest Rate that is effective for all contract years.

3Annual effective yield. The first-year declared interest rate is guaranteed for the first contract year only and is separate from the guaranteed minimum rate effective for all contract years. Rates current as of 3/19/2013 and are subject to change without notice.

4Dependent upon individual circumstances and the plan selected. The single premium amount required to establish the guaranteed payout you want is based on the option selected at the time of application.

5AAA Life and its agents do not provide legal, tax or financial advice. You may wish to consult an independent legal, tax, or financial professional before deciding to purchase any annuities.